EMI vs SIP for ₹1,000,000
12 Years @ 12%
Original Plan
12 Years @ 12%
EMI: ₹ 13,134
Extended Plan
17 Years (Reduced EMI)
EMI: ₹ 11,512
Monthly Savings
₹ 1,622
SIP Investment
@ 12% for 17 years
₹ 1,083,392
Extra Interest Paid
₹ 457,156
Final Outcome
₹ 626,236
Profit from SIP strategy
Analysis
For ₹1,000,000 loan at 12%, investing savings can generate ₹1,083,392.
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